Well, not that it matters to my argument, but I did go to university, and did well (in the academic sense - much of my time would probably have been better spent drinking and networking rather than getting good grades). Personally I think it was an incredible waste of time. Even though I worked incredibly hard in many diverse subject areas, most of what I learned was taught at such an abstract level as to be completely unusable in any practical sense. Almost all of what I needed I later learned on the job as needed. Of all the things you've listed, why can't you just look them up on the internet or hire a tutor at worst?
As far as "leveling up as a human being", books are free - go sit in a library. Hell, grab a kindle; most of the cool stuff that I learned about the human experience I learned from talking with others, staring at the sky, hiking in mountains, and reading free books that people on the internet recommend. None of this requires taking out the equivalent of a mortgage or listening to someone lecture on it. If you want a lecture, those are free online too!
I just get the sense that university is used as a filter to differentiate yourself from people who are "below you" - not as smart, not as hard working, not as "mature as a human being". But the main barrier to get into a university seems to be connections and money, neither of which I have a huge amount of respect for. Many of the wealthiest and well connected people in the world are huge assholes, and many of the poorest and least connected are incredibly wise and kind (and intelligent and hard working). It feels like a way to separate yourself from the unwashed hoi polloi and put a barrier to entry between yourself and other people who could do your job. In that sense university encourages laziness!
Overall, I just get this sense that university is this bullshit thing we all just agree to participate in because, for those who go they get a monetary benefit, even though everyone knows its just this bullshit thing. That monetary benefit comes from being a class filter, a networking tool for like minded rich people to find other like minded rich people, and probably a few other class effects I don't really understand. I thought when I was younger that as I got older that maybe I would get more jaded and just accept bullshit things. It would certainly make my life easier to do what other people do and not fight against the tide. But if anything I've become more altruistic and romantic, I want the world to be more honest and people to do the right thing.
I don't know. I've probably benefitted from it even though I wished people judged me based on other qualities that are more important.